Graduating from college is a huge milestone in one’s life, and it deserves to be celebrated. As you start this new chapter in your life, the best thing you can do for yourself is to find ways of building credit and managing finances responsibly. The best place to start is with a credit card because it can give you the best opportunity to establish yourself in your new role.
Luckily for you, there are several excellent credit cards that college graduates stand to benefit from. These types of cards can help you build your credit score and enable you to earn valuable cash-back rewards on purchases. Here is the list of the best credit cards for college graduates.
The Best Credit Cards for College Graduates
This is meant to help people who have never had credit before. It’s also a big advantage that you don’t have to pay an annual fee to get rewards, which is a big deal. To open the account, you don’t need to put down any money in cash. However, this card is still aimed at people with limited credit history. If you want to borrow money, you can get a card with a credit limit of up to $10,000 on it. In addition, you will be able to earn rewards for the things you buy, which will add up over time as you build good credit habits.
Also, this card doesn’t charge any fees. Every year, there isn’t a fee. To help you keep track of your spending, the card comes with a mobile app that lets you track your purchases, see how many points you’ve earned, and pay your bill with your phone.
There’s a Chase Ultimate Rewards program that lets you redeem points for cashback and gift cards. You can also transfer your points one-to-one to airline and hotel partners. The Chase Sapphire Preferred Card is one of the best credit cards for people who travel a lot. In addition, you can get a big bonus and keep getting rewards for every dollar you spend.
Due to the fact that the Chase Sapphire Preferred Card is only for people with very good or excellent credit, some recent college graduates may not be able to apply right away. Those who have an advantage when it comes to building credit are more likely to do so.
This credit card has a unique rewards program. If you’re thinking about applying, you should have good credit at the very least. You can earn a lot of money without having to pay an annual fee.
To use your rewards, the Chase Freedom Unlimited® card gives you more options than most other cards do. Using points for cash back, statement credits, gift cards, and merchandise are all possible ways to use them. You can also use points for travel and other trips. Another good thing about this card is that there is no annual fee.
If approved, make a cash deposit to open a Discover it® Secured Credit Card account. It’s a “secured” credit card. It’s okay to have bad credit and payments are reported to the three major credit bureaus, which can help you build credit over time if you use it properly.
If you’ve been declined for an unsecured credit card, the Discover it® Secured Credit Card may help you improve your credit score. This card allows deposits as low as $200. You can build credit, just like your credit limit, by being fiscally responsible and paying your bills on time.
As a cardholder, you’ll be able to see your FICO credit score on your statement, so you can keep an eye on your credit history over time. If you pay your bill late for the first time, you won’t have to pay a fee. This is unusual for credit cards. When the late fee isn’t waived, it can cost up to $40.
It will give you a 0% intro APR on balance transfers for the first 21 months after you make your first transfer. For the first 12 months after you open your account, you also get a 0% intro APR on purchases for the first 12 months. The variable annual percentage rate will then be between 14.74 and 24.74 percent, depending on how good your credit is and how much money you have. It must be done within four months of when the account was opened. To make balance transfers, there is a fee that ranges from $5 to 5 percent of the amount that’s being moved. Because you won’t get any points with this card, it’s best to use it to pay off high-interest debt.
The card has an introductory APR period, but there is a fee for moving balances. This card can still help you save money because you won’t be charged interest for the first three months.
There is a card called the Amazon Prime Rewards Visa Signature® Card that may be right for you if you already have Amazon Prime. This card has the best rate on the market right now for online purchases, and there is no annual fee.
As a cardholder, you’ll also get extra benefits like extended warranties, purchase protection, travel and emergency help, and reimbursement for lost or delayed luggage, among a lot of other things. In addition, you won’t have to pay fees when you buy things in other countries.
Not all rewards can only be used on Amazon. As a bonus, they can also be used to get cash or gift cards or to go on vacation.
Customers who use this can earn two Membership Rewards points per dollar spent at US supermarkets, up to a maximum of $6,000 per year (after that, one point per dollar). They can also earn one point per dollar spent on all other purchases made with the card. American Express’s well-known Membership Rewards program is also a good place to put your earned rewards.
This card earns two Membership Rewards points for every dollar spent at US supermarkets, up to $6,000 per year (after that, one point per dollar). If you use your card more than 20 times per billing period, you’ll get a 20% bonus.
This card has no annual fee and a 0% intro APR on purchases for 15 months. After that, the APR will be between 12.99 percent and 23.99 percent variable. Recent graduates may also like the option of deferring large purchases like furniture or appliances for a year without incurring interest.
You can get this card with “average” credit. There’s no sign-up bonus, but every purchase earns you 1.5 percent cashback.
Its other flaw, besides the annual fee and lack of a welcome bonus, is that it charges a lot every month. If you want to build credit by getting one of these cards, don’t carry a balance.
To best utilize your credit card, make sure you pay your balance in full every month to avoid interest charges. It might make sense to use different cards for different purchases, but it’s best not to carry a balance on more than one or two cards. You want to keep your utilization ratio low on every line of credit that you have.
You might also want to consider a card that offers a 0% introductory APR since it could save you money if you need time to pay off a big purchase. Be careful, though, as those offers usually come with higher APRs once the initial period ends.
These best credit cards for college graduates offer some excellent earning potential and can also help you build your credit score.
The Best Stethoscope For Medical Students: Top 6
The best stethoscope for medical students or for nurses should be comfortable enough to make the best use of it. As the stethoscope gets more expensive, medical students should get the best quality on the market. Here are the best stethoscopes for medical students.
The Best Stethoscopes for Medical Students
There is a lot of good cardiology IVs, but Littman’s is the best. If you’re a student, you should not pay more than this for a stethoscope. It’s not the most expensive one on the market.
It has a chest piece with two different-sized heads. As adults, they can use their large heads for general auscultation. The head has a small diameter, which makes it ideal for patients who are small.
Technology from Littman is used on both sides. This makes for high-quality sound in any environment where there is little background noise.
Strong but flexible tubing makes it easy to fit into your pocket. This is because the tubing is strong but flexible. It is made of latex-free rubber, as are all Littmann models, to keep your skin from getting hurt. Its rubber tubing is also resistant to skin oils and alcohol.
The construction is strong and of high quality. In addition, the acoustic qualities are top-notch. This is in part because of the dual lumen tubing and soft earpieces.
It comes in different colors for the cubes and different finishes for the chest piece. Finally, but not least, it comes with a seven-year warranty that’s very good for the money.
If you want a stethoscope with better sound quality, this is the one for you. It is something I would recommend to anyone who wants to work in internal medicine.
Many students like the Littman stethoscope because it is so versatile. It has a chest piece with two different-sized heads on it. With their large heads, as adults, they can use them for all kinds of auscultation. The small head comes with a diaphragm that can be removed.
When used as a pediatric stethoscope, it can be used to listen to babies (with the diaphragm attached). By omitting the diaphragm, a bell stethoscope that can pick up low-frequency sounds can be made.
Both diaphragms have Littman tunable diaphragm technology in them. This means that the sound is clear and there is little background noise in any environment.
In general, the quality is good. Fold the tubing in half so that it fits in your pocket, then put it in there. It doesn’t bother the skin because it doesn’t have latex in it. It is also not affected by alcohol or skin oils.
The headset’s ear tubes and earpieces are made to fit your ears, so they work better. The cubes come in a lot of different colors, and the chest piece comes in a lot of different styles. As an extra bonus, it comes with a five-year warranty.
3. MDF Instruments MD One Stainless Steel Premium Dual Head Stethoscope
On this list, Littman’s only direct competitor is on the other side of the table. However, it fights hard. As for the acoustic quality, it isn’t as good as the premium pick, but it is close to the Littmann Classic III.
It also comes with a chest piece that has various diameter holes for both heads. The small head includes a detachable diaphragm, too. This means you can use it as both a pediatric and bell stethoscope at the same time thanks to the detachable diaphragm.
The construction and quality of the Littmann Classic III are about the same. It has a strong and long-lasting feel to it. People say the headset is easy to wear, and the design is very old-fashioned. Tubes are a little stiffer, but that’s the only real downside.
4. MDF Acoustica Deluxe Lightweight Dual Head Stethoscope
The basic set comes with two MDF models of instruments.
Dual-head stethoscope: This one looks and feels like it’s from a doctor. When compared to high-quality competitors, however, it looks like it’s lighter in weight. In addition, the acoustic quality isn’t very good.
It has a chest piece with different diameters on both sides. Because the large diameter side has a diaphragm that may be used to examine the entire chest in adults, it is known as a “diaphragmatic stethoscope.” The tiny side of the stethoscope, which picks up low-frequency sounds, is called a “bell stethoscope.”
Is this stethoscope good for a student who wants to become a doctor? Yes. Is the bar high enough to go on to medical school? No.
Having said that, when you think about the price, it’s a great deal. Because the MDF instruments come with lifetime parts and a labor warranty.
If you want to save money while deciding whether or not to buy a better stethoscope in the future, this might be the one for you.
5. MDF Sprague Rappaport Dual Head Stethoscope
It’s also true that after medical school, it won’t be enough. So, try not to do too much.
This one looks a little different. It has a two-tube system that goes all the way to the chest piece. This has been shown to make the sound better in general.
It also comes with a chest piece that can be used on both sides. This is mostly because there are attachments for adults, kids, and babies. This means that you’ll be able to use a single-piece stethoscope on any patient you see.
Also, the best MDF instruments come with free parts for life and a lifetime warranty. Even though I wouldn’t recommend it in place of a more expensive one. If you want to buy a cheap stethoscope, this is it.
It came in second on our list of the best Littmann stethoscopes. It’s a well-designed stethoscope that has a double-sided chest piece and good sound quality. This baby stethoscope can pick up both low and high frequencies.
It is a reliable and effective clinical tool for examining infants, monitoring their progress, and figuring out what’s wrong with them.
This comes with a lot of useful things. All these things have one thing in common: they have two sides. Two things about pediatricians make it possible for them to listen to both low and high-frequency sounds with clarity and sensitivity.
In addition, the well-designed double chest piece and non-chill rim are two of the best parts. They try to keep the baby calm during the exam.
As a medical student, you want to invest in quality and not settle for less. The best stethoscope for medical students is one that offers great value and has the best features. It must be durable enough to last through your med school journey and beyond.
If you take the time to compare all the best stethoscope reviews above, I’m sure you will have the best stethoscope for your future patients.
Hope this article is helpful, best wishes on your med school journey!
Top 10 Best College Baseball Uniforms
College baseball takes a lot of flack for being slow and boring. While that is up to the individual to decide, one thing cannot be argued: college baseball is best watched in style. In fact, it’s best enjoyed in style as well. And with the best uniforms ever worn on a diamond now confining themselves to history books and baseball cards, we can only take solace in the fact that future players will be just as stylish. The best college baseball uniforms are not always just about how it looks but also what is on them. After much deliberation, here are the best college baseball uniforms of all time.
The Best College Baseball Uniforms
1. Arkansas’ cream
With this jersey, Arkansas hit a home run with this jersey by using two recent uniform design trends: cream color and throwbacks. For example, the Ole Miss powder blue has only been on sale for a short time, but it has quickly become a fan favorite. The best part about the cream uniforms is that, when combined with a solid color hat, they allow teams to break away from their school colors.
There is so much more to the gold jerseys than just being LSU’s uniform tops. They are a tradition in and of themselves! The Tigers have worn these uniforms for series clinchers and championship games since the 1996 team that won the national championship in walk-off fashion. They were also seen in the 1996 national title game, the 2008 team’s 23-game winning streak, and the final game of the 2009 national championship series, which was the Tigers’ last game. This baseball uniform is thought to be one of the best in college baseball history.
3. Oklahoma State’s orange
Oklahoma State’s font and bat logo come in a lot of different colors, but the orange really stands out. When Pete Incaviglia and Robin Ventura played college baseball in Stillwater, they wore this top. Three decades later, it still looks good as a jersey top because it hasn’t changed.
4. Florida’s blue
For baseball jerseys, orange and blue are very strong color combinations. Florida does it very well. With the Gators’ success in these tops, they are quickly becoming one of the most famous jerseys of the modern era. The best part of the jersey is that it is simply a best seller.
5. Washington’s white pinstripe
While Washington has tried out a lot of different looks in recent years, the team has always fielded teams with visually appealing jersey tops. Purple and gold work together to create a unique look, like this pinstripe top. This isn’t a home or a road jersey, but a top that should be worn by the best college baseball players in America.
6. Ohio State’s throwback gray
While road uniforms don’t shine as much as home whites and alternates, Ohio State wore a very good road gray uniform. Like rival Michigan, Ohio State has a well-known color scheme that can really shine on a simple dish like this one.
7. Texas’ white
This is a great example of a traditional look with a modern twist, like the entry for Miami on the list. The white jersey with burnt orange letters is a good look for a program that has a lot of history. However, the Nike swoosh and a new font make it even better.
8. Michigan’s cream
Michigan has a strong overall jersey collection, in part because the maize and blue color scheme is so well-known and well-loved. A big reason they’re so popular is that they have simple jersey tops with no extra things on them. Adding a retro look to the cream jersey makes it look even better.
9. Pittsburgh’s throwback blue
In recent years, Pitt’s sports teams have started to use the colors and fonts from the football team’s best days, which has led to this amazing jersey top. It has royal blue and yellow instead of dark blue and gold, which is the school’s traditional color scheme.
There aren’t many fonts on a jersey that are as well-known as “Devils” across the front of an Arizona State jersey. The Sun Devils have tried a lot of different jerseys over the years, but some variation of this top has always been around. There is also good contrast between the white top and the red-lined font.
The best uniforms in college baseball are not just a matter of aesthetics. There is history and tradition that play into the best tops, as well as comparisons to iconic jerseys from years past. In fact, many college baseball jerseys have been held up as some of the best all-time over the last century. So take a look at this list and let us know what you think, and if your alma mater has one of the best jerseys out there.
The Best Mattress Topper For College: Top 12
Admit it, your dorm room mattress isn’t comfortable enough. It leaves you tossing and turning all night long or not being able to sleep at all.
Between midterms and finals, the last thing college students want to deal with is a bad night’s sleep! The Best Mattress Topper for College is the Perfect Solution. By buying a mattress topper for college, you can get better sleep and wake up more refreshed and ready to tackle another day of academics!
Of course, with so many different options out there, it can be hard to find THE best mattress topper for college students. This guide will help you find the one that is right for you.
So, what are the best mattress toppers out there? Let’s take a look at some of our top picks!
Top 12 Best Mattress Toppers for College:
1. Sleep Joy 2′′ ViscO2 Ventilated Memory Foam Mattress Topper
This memory foam topper for dorm bed mattresses is a good choice because it is comfortable, clean, and environmentally friendly. If you want to sleep well in your new home, this is one of the best mattress toppers out there.
The topper has a lot of great features that will keep you comfortable when you’re in bed. Two inches of breathable memory foam will keep your back safe while you sleep on the beds in the dorm room. In addition, it has an odor neutralizer that hides the smell of foam.
2. Avocado Green Natural Latex Mattress Topper
This is one of the best organic mattress toppers that you can buy right now. While the price will be higher, you will get a high-quality topper that will give you the most comfort while you sleep. It is made by hand from Dunlop latex and organic cotton.
In addition, the materials make sure that you stay dry and warm all night long. It will be easier to nurse away from the pains and aches that come with having a long day. If you want a two-inch-thick topper, there are two types of firmness: soft or hard.
As a result, you will be able to get a good night’s sleep no matter what. The cover of the mattress is soft and luxurious. You can’t slip or slide it on the bed because its bottom is made of organic cotton.
This is a great way to add a mattress topper. It comes with a bamboo cover that can be removed to make it easier to clean and move around.
It has a pressure-point-free support mechanism, which has become a must-have for mattress toppers in recent years because it helps you sleep better. As soon as the day is over, you always want to go to bed in a soft, cozy bed.
The good news is that this topper has these amazing features. When bamboo rayon and polyester are mixed together, you will get a high-quality topper that meets all of your needs.
4. Dreamfoam Bedding Gel Swirl Memory Foam Topper
This is a great mattress topper for people who are just starting college. Dorm beds are often worn out, which leads to bedsores.
If the institution gives you a bed or mattress, you can be sure that this high-quality memory foam topper will make them look and feel better. As long as you use memory foam, you can rest assured that all of your important pressure points will be taken care of.
In addition, the mattress topper has a great contouring feature. With an amazing gel infusion, it helps the air move around your body, removing any extra heat from your body for a cool night’s sleep.
If your dorm bed’s mattress is worn, this topper is a great way to fix it. If you want to sleep on it, you’ll need to buy one that’s 39 by 80 inches. It fits a wide range of mattress sizes. You can use its 18-inch depth to get back to sleep.
With a plush rayon cover and a bamboo cover filled with hypoallergenic down, you can sleep well at night.
You won’t slip or slide while you sleep because the back of this topper is made of 70% polyester and 30% cotton. It gives moderate support, but the detachable pillow top pad gives it a little extra puff.
This mattress topper has a 3-inch layer of gel memory foam and a soft cover that can be taken off. It has adjustable straps that make it easy to clean and fit on your mattress.
The bamboo cover makes the topper less likely to slip. Make sure you don’t slip and slide in the dark. The gel in the topper keeps you cool while you sleep in a calm environment.
The high-quality foam makes sure that you don’t have any pain or bed sores while you sleep. Because the topper is made of memory foam, it will protect your spine even more.
7. Saatva Mattress Topper
The Saatva Mattress Topper comes in three different styles, each of which is made of high-quality materials and has features that make it easier to get a good night’s sleep.
The three models have different parts. The “Foam” topper is made of high-density polyfoam, which conforms to the body and relieves pressure without the “body hug” that comes with memory foam. You can get this Saatva mattress for the lowest price because it’s the firmest. It’s also the most durable.
8. PlushBeds Latex Mattress Topper
PlushBed’s Latex Mattress Topper comes in two different profiles and five different firmness levels, making sure that most people can get a good night’s sleep. The store should have something for people of all sizes, sleep positions, and comfort preferences.
The latex in the topper is made of Talalay latex, which is breathable and ventilated, so it is good for your body. Because it doesn’t fit as well as memory foam, it doesn’t hold as much heat. Talalay’s more responsive feel also relieves pressure without sinking too far, which makes it a good choice for sex and bed-sharing.
This mattress topper is made of two inches of thick gel for the best night’s sleep.
Because this topper has so many great features, you can easily improve your current situation with it. It makes you stay cool while you sleep because it is made of a material that changes with the temperature.
So, you will be able to get a good night’s sleep whenever you need to get some rest. This is because the bed can evenly distribute your weight, which relieves pressure points and stops you from getting achy and tired.
This great mattress topper comes in a variety of sizes to fit any dorm mattress. You can expect to sleep well at night because it is a gel memory foam topper.
College dorm rooms can get very wet at times, so this is a good choice. In this case, it is two inches thick, which means it can help relieve pressure points and keep your joints from hurting. The ventilation design makes sure that the mattress gets rid of heat quickly and doesn’t keep it.
11. Layla Memory Foam Topper
The Layla foam mattress topper is good for people who sleep hot. If you want to stay cool while you sleep, this is one of the coolest mattress toppers out there.
You can feel the topper stay cool to the touch because it has a cover that is made of thermo gel. It also has two inches of memory foam for extra softness and comfort. To make things even better for your back, hips, and shoulders, this will make them feel less tense.
It is two inches thick, giving you the best possible night’s sleep.
If you share a bed with someone else, you shouldn’t have to worry about waking them up while you turn. During the night, your partner won’t be woken up by you moving around. It has an excellent hold-up feature that responds quickly, preventing this.
College is a crucial stage in everyone’s life as it forms the foundation for future success. If you have been given a chance to live on campus, your college experience will be more worthwhile if you choose the best mattress topper for college dorms. It can help enhance your sleep and wellness as well as increase your productivity during the day.
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